Credit Analyst II

First Bankers Trust Company is offering a fast-paced job opportunity for interested candidates! Apply today to secure a fulfilling career along with these additional perks: 

• Competitive full benefits package including medical insurance, HSA with investment options, dental & vision insurance, life insurance, 401K with match, and profit sharing
• Vacation and PTO time reflective of your experience
• Opportunities to help others and make a difference in the community
• Volunteering time off of 12 hours per year
• Access to a library over 6,000 personal and professional development on-line courses, hosted by Udemy Business
• Participation in our company-wide employee wellness incentive program, and the ability to earn a discount on your next year's premiums
• Comprehensive, value-added career opportunities
• Focus on career development, broad exposures, and learning new things daily
• Opportunities to participate in special interest groups, such as Young Professionals, or one of our Employee Resource Groups

A Credit Analyst is accountable for supporting the commercial and agricultural loan officers by conducting credit investigations, analyzing credit information pertaining to loans, and conducting ongoing financial monitoring and annual reviews. This position works closely with the banks commercial and agricultural loan officers, as well as other members of the credit department, in the execution of day to day activities.

• Completes accurate and consistent financial statement spreads, quarterly trend analysis, covenant tests, stress tests, and collateral reviews in accordance with established standards and credit policies.
• Assists with portfolio management by tracking credit approval requirements, monitoring loans, collecting and analyzing financial/credit information to ensure loan is secure, preparing reports, and escalating issues.
• Prepares collateral appraisals on loans under $250K, conducts a review of the information and makes an assessment on the information collected, offers opinions concerning credit-worthiness, and prepares follow up questions to pass to loan officer to address with customers.
• Executes and ensures accurate initial setup of loans in systems and conducts ongoing maintenance.
• Completes annual loan reviews.
• Maintain all credit files with sufficient documentation to meet audit requirements.
• Maintain and report on scorecard metrics.
• Occasionally participates in sales calls.
• Conduct floor plan checks.
• Collects on past due loans.
• Develops and implements small projects 
• Performs other duties and projects as assigned and requested.

• Bachelors Degree in Business or Finance-related field
• 4-7 year of related experience/exposure within the banking industry 
• Demonstrates aptitude for mathematical and/or financial transactions
• Demonstrates strong analytical thinking skills
• Demonstrates ability to execute day to day work under general supervision
• Demonstrates strong customer service skills (customer-oriented) 
• Demonstrates ability to thrive in a fast-paced environment and multi-task daily job duties
• Demonstrates ability to address basic to moderately complex job related/technical issues and problems with guidance, and refers more complex issues to higher-level staff
• Demonstrates strong written and verbal communication skills 
• Demonstrates ability to develop and execute small to medium-term functional and/or cross-functional projects
• Demonstrates strong team collaboration/team work skills, with ability to work in diverse teams and build/maintain positive working relationships
• Demonstrates ability to interact efficiently with Technology and utilize common office applications including Word, Excel, Outlook, and related applications; willingness to learn new technologies

Our values reflect our culture:  Everyone is Valued, Do The Right Thing, Friendly Family, & Fun, Dream Big/Act Small, Accountability, Innovation

When you choose to become a part of the team at First Bankers, you are getting more than a job. What comes along with the daily work is making a difference in other people's lives, working closely with teammates who are people you enjoy, contributing to a bigger picture, balancing work and home commitments, and developing yourself and your career.  If that sounds like a good deal to you, apply for a position today.

Work Environment

This position typically works in a professional office setting. While performing the duties of this Job, the employee is regularly required to stand, move from one point to another, and use hands to manipulate, handle, or feel. The employee is frequently required to reach with hands and arms, speak, and hear. The employee will occasionally sit, stoop, lift, kneel, or crouch in the course of completing their job. The employee must occasionally lift and/or move up to 25 pounds. 

The salary range provided in this job posting represents what the company reasonably expects to pay for the position based on the minimum qualification requirements included at the time of posting. Actual compensation may vary based on factors including, but not limited to, individual experience, education, and skill level.

First Bankers Trust Company is an equal opportunity employer and supports diversity in the workplace. Qualified applications will receive consideration for employment without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Our HR team will reach out to the applicants who meet the qualifications and are most closely aligned with the requirements of the position.